pet insurance that covers wellness checks: what to expect and how to choose

What it means

Wellness coverage folds routine care into your policy, helping pay for the predictable visits that keep pets thriving. Instead of waiting for illness, you budget for prevention and gain steady support for annual care.

How it works

Insurers typically reimburse up to set amounts per service on a monthly or yearly schedule. You pay the vet, submit a claim, and receive a portion back. This add-on usually sits beside accident and illness benefits, with no deductible for common wellness items.

• Annual exams and nurse consults
• Core and booster vaccinations
• Fecal, heartworm, and tick-borne screening
• Routine bloodwork and urinalysis
• Flea, tick, and heartworm prevention
• Dental cleanings and microchipping

Costs and value

Premiums are often modest, but caps apply, so compare allowances to your vet’s fees. Look for short waiting periods, easy claims, and clear exclusions. If you reliably book checkups, pet insurance that covers wellness checks can flatten costs, protect your budget, and keep small issues from becoming big ones.